SIREN : 833715162
FINACL is a French company founded 8 years ago, specialized in the sector Services administratifs combinés de bureau. Based in VILLE-LA-GRAND (74100), this company of category PME shows in 2024 a revenue of 250 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 250 000 € | 250 000 € | 250 000 € | 250 000 € | 125 000 € | 60 000 € |
| Net income | 342 342 € | 302 019 € | 292 115 € | 225 106 € | 174 548 € | 175 772 € |
| EBITDA | 34 027 € | 57 766 € | 55 507 € | 59 364 € | 34 830 € | 37 453 € |
| Net margin | 136.9% | 120.8% | 116.8% | 90.0% | 139.6% | 293.0% |
In 2024, FINACL achieves revenue of 250 k€. Over the period 2019-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +33.0%. Slight decline of 0% vs 2023. After deducting consumption (0 €), gross margin stands at 250 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 34 k€, representing 13.6% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -41%, reducing margin by 9.5 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 342 k€, i.e. 136.9% of revenue. This profit can be retained or distributed to shareholders.
250 000 €
250 000 €
34 027 €
33 977 €
342 342 €
13.6%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 99%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 137.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.556%
99.103%
136.957%
0.036
98.4%
In 2024, the debt ratio of FINACL (0.56) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of FINACL (99.1%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of FINACL (0.04) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 13398.76. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 3.2x. Financial charges are adequately covered by operations.
13398.758
3.159
In 2024, the liquidity ratio of FINACL (13398.76) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of FINACL (3.2x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 75 days. Excellent situation: suppliers finance 75 days of the operating cycle (retail model). Overall, WCR represents 3 days of revenue, i.e. 2 k€ to permanently finance. Over 2019-2024, WCR increased by +102%, requiring additional financing.
1 745 €
0 j
75 j
0 j
3 j
Based on 173 transactions of similar company sales (all years), the value of FINACL is estimated at 328 597 € (range 112 718€ - 830 931€). With an EBITDA of 34 027€, the sector multiple of 3.4x is applied. The price/revenue ratio is 0.38x (conservative valuation). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
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This estimate is based on the analysis of 173 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare FINACL with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of FINACL in 2024 is 250 k€.
Yes, FINACL generated a net profit of 342 k€ in 2024.
The headquarters of FINACL is located in VILLE-LA-GRAND (74100), in the department Haute-Savoie.
The tax return of FINACL is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).
FINACL operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.